印度银行的健康状况有所改善,低劣贷款和强大的资本支持可持续的信贷增长。 Indian banks show improved health with low bad loans and strong capital, supporting sustainable credit growth.

印度银行基本面表现较强,2026年初,不良贷款处于多年最低水平,为2.2%,高于2018年的11.2%,共同股权比率为14.8%。 Indian banks are showing stronger fundamentals, with non-performing loans at a multi-year low of 2.2% in early 2026, up from 11.2% in 2018, and a common equity Tier 1 ratio of 14.8%. 印度储备银行改进了监管监督,改进了风险管理,以及大信贷信息中央储存库等工具,这些都减少了系统性风险。 Improved regulatory oversight by the Reserve Bank of India, better risk management, and tools like the Central Repository of Information on Large Credits have reduced systemic risks. 在26财政年度头8个月,信贷增长达到7%,其驱动因素是零售贷款和中小型和微型企业贷款,特别是担保贷款和农村地区公共部门银行扩张。 Credit growth reached 7% in the first eight months of FY26, driven by retail and MSME lending, especially secured loans and public sector bank expansion in rural areas. 预计经济增长将超过6%,信贷到国内生产总值将达到59%,假设有可靠的承保,预计可持续贷款将达到预期水平。 Economic growth is projected above 6%, and with credit-to-GDP at 59%, sustainable lending is expected, assuming sound underwriting.